Mortgage Loan Originator (Brockton Region)

Position Summary: The Mortgage Loan Officer is responsible for originating residential mortgage and home equity lending products within the Bank's designated lending footprint. This position develops and maintains relationships with customers, Realtors®, builders, attorneys, nonprofit organizations, government agencies, and other referral sources to generate new business opportunities. The Mortgage Loan Officer manages the customer relationship throughout the loan origination process, from application through closing, while ensuring compliance with applicable laws, regulations, investor guidelines, and Bank policies. This role achieves individual production, customer service, and profitability goals through business development activities, referral generation, and community involvement. The Mortgage Loan Officer serves as a trusted advisor to customers and supports the Bank's commitment to responsible lending, affordable housing initiatives, and community development. Essential Job Responsibilities The essential functions include, but are not limited to the following: Develops and maintains referral relationships with Realtors®, builders, attorneys, financial advisors, nonprofit organizations, community partners, and other sources to generate mortgage and home equity lending opportunities. Develops and executes business development strategies to achieve individual loan production and profitability goals. Participates in networking events, industry associations, community activities, and housing-related programs to promote the Bank's mortgage products and services. Interviews applicants, evaluates financial information, and recommends appropriate mortgage and home equity lending solutions. Assists customers with the completion of loan applications and collection of required documentation. Conducts preliminary reviews of loan applications for completeness, accuracy, and eligibility prior to submission for processing and underwriting. Serves as the primary point of contact throughout the loan origination process and communicates effectively with borrowers, referral sources, processors, underwriters, attorneys, and other parties to ensure a positive customer experience. Develops and maintains an active pipeline of mortgage and home equity loans from application through closing and ensures timely collection and submission of required documentation. Maintains accurate customer, pipeline, and referral source information within the Bank's loan origination and customer relationship management systems and prepares required production and management reports. Develops and conducts homebuyer education seminars, financial literacy programs, and community outreach activities. Supports the Bank's Community Reinvestment Act (CRA) objectives through participation in affordable housing initiatives, first-time homebuyer programs, and community development activities. Identifies opportunities to refer customers to other Bank products and services and facilitates introductions to appropriate business partners. Maintains knowledge of mortgage products, underwriting guidelines, investor requirements, processing procedures, and applicable federal and state lending regulations. Ensures compliance with all Bank policies, procedures, and applicable laws and regulations, including but not limited to BSA/AML, CRA, ECOA, Fair Lending, HMDA, RESPA, SAFE Act, TILA, TRID, OFAC, and applicable state lending requirements. Completes all required compliance and regulatory training and promptly escalates potential compliance, operational or fraud concerns. Performs other duties and special projects as assigned. This position does not possess independent underwriting approval authority unless specifically delegated by management. Knowledge, Skills & Work Experience High School Diploma or equivalent required; Associate's or Bachelor's degree in Business, Finance, Marketing, Economics, or a related field preferred. Minimum of two (2) years of residential mortgage loan origination experience required. Demonstrated success in achieving loan production, sales and customer service goals. Experience within a community bank, regional bank, credit union or mortgage banking environment preferred. Experience with affordable housing, first-time homebuyer and community development programs preferred. Strong sales, relationship management, and business development skills with the ability to generate self-sourced mortgage business. Thorough knowledge of residential mortgage products, processing, underwriting, closing procedures, and secondary market guidelines. Experience with FNMA, FHLMC, FHA, VA, USDA, state housing programs, bond programs, and private mortgage insurance requirements. Strong understanding of federal and state lending regulations and compliance requirements. Ability to analyze financial statements, tax returns, income documentation, credit reports, and other financial information. Excellent customer service, interpersonal, presentation, written and verbal communication skills. Strong organizational, time management and problem-solving skills with the ability to manage multiple priorities. Proficiency with mortgage loan origination systems, automated underwriting systems, customer relationship management platforms, Microsoft Office applications, and related technology. Ability to work independently and collaboratively in a team environment. Must maintain registration with the Nationwide Multistate Licensing System (NMLS) in accordance with SAFE Act requirements. The pay range for this position is based on the lowest to highest salary we reasonably and in good faith expect to pay for this position at the time of this posting. Actual pay will depend upon several factors including, but not limited to, relevant education, qualifications, certifications, experience, business or organizational needs, affordability and market pay. The posted range may be modified in the future as market data or organizational priorities change. Physical Demands This position is an office-based position in terms of physical demand. Employees are expected to be able to operate their fingers and hands to perform functions such as typing, writing, and filing. Employees must also be able to move throughout the office with ease while also being able to sit for extended periods of time. Employees must be able to see and hear in an office setting that does include much noise going on around one's workspace. While this job is mainly clerical, there are instances in which employees must be able to transport up to 20 pounds. Note The above is a description of the ordinary duties of the position. It should be expected that from time-to-time other duties (both related and unrelated to the above) may be assigned and are therefore required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This position is subject to SAFE Act Registration Requirements. Pursuant to the SAFE Act requirements, all applicants for employment who will be engaged in residential loan mortgage originations (as defined by the SAFE Act) must register with the federal registry system and maintain a status in good standing under the SAFE Act requirements. North Easton Savings Bank is dedicated to being an equal opportunity workplace. To reach and maintain this goal, the Bank strictly prohibits harassment and discrimination based on gender, sex, race, ethnic background, age, physical disability, mental disability, and anything else protected by law. North Easton Savings Bank welcomes diversity and we believe that diversity is the root of successful teams and an overall successful workplace.